Do you wish to exercise your right of withdrawal?

Right of Withdrawal
You may withdraw your contractual declaration within 14 days without giving reasons in text form (e.g., letter, fax, e-mail).

If you have signed an application, the period begins only after you have received the insurance policy, the contractual provisions including the insurance terms and conditions, the further information pursuant to Section 7 (1) and (2) of the Insurance Contract Act (Versicherungsvertragsgesetz – VVG) in conjunction with Sections 1 to 4 of the VVG Information Duties Ordinance (VVG-Informationspflichtenverordnung), and this notification, each in text form.

If you requested an offer, the period begins on the day after you have sent your declaration of acceptance of the contract offer to us. Regardless of this, the period begins only after you have received the insurance policy, the contractual provisions, the further information according to the aforementioned legal regulations, and this notification in text form.

In electronic commerce, the withdrawal period does not begin before the fulfillment of our obligations pursuant to Section 312i (1) sentence 1 of the German Civil Code (Bürgerliches Gesetzbuch – BGB) in conjunction with Article 246c of the Introductory Act to the Civil Code (Einführungsgesetz zum Bürgerlichen Gesetzbuche). To comply with the withdrawal period, it is sufficient to send the notification of withdrawal in a timely manner.

Consequences of Withdrawal
In the event of an effective withdrawal, your insurance cover ends and we will refund the portion of the premiums attributable to the period after receipt of the withdrawal, provided you have agreed that the insurance cover begins before the end of the withdrawal period. In this case, we may retain the portion of the premium attributable to the period up to the receipt of the withdrawal; this is the amount stated in the insurance policy. This amount is calculated pro rata.

The refund of amounts to be repaid will take place immediately, at the latest 30 days after receipt of the withdrawal. If the insurance cover does not begin before the end of the withdrawal period, the effective withdrawal means that any benefits received must be returned and any benefits derived (e.g., interest) must be surrendered.

If you have effectively exercised your right of withdrawal pursuant to Section 8 of the Insurance Contract Act (VVG), you are also no longer bound by any contract associated with the insurance contract. A contract is considered associated if it refers to the withdrawn contract and concerns a service provided by the insurer or a third party on the basis of an agreement between the third party and the insurer. A contractual penalty may neither be agreed upon nor demanded.

Special Notes
Your right of withdrawal expires if the contract has been fully performed by both you and us at your request before you have exercised your right of withdrawal.